Re: Please Adise - Unexpected Credit Sesame Update

I already used my free annual reports for the year. I asked about disputing it because I am just assuming it could be AU accounts. But according to my friend in the email, he added me to UBT (not Amex). Plus it says 2 Amex accounts. I'm still waiting to hear fro my friend to confirm if he indeed added me to his Amex account. Otherwise, I have no idea where the accounts originated.

Re: Please Adise - Unexpected Credit Sesame Update

Unfortunately those reports are only available online for 30 days and do not update. I pulled back in April so the report has expired, plus it wouldn't have shown the new Amex line yet; it just reported on July 15th according to CreditSesame. Thanks for the suggestion (I did quickly try it!).

Re: Please Adise - Unexpected Credit Sesame Update

Credit Card piggybacking only works if the account owner is related to you (Wife/husband/parents). I suspect if you are added as AU on a friend's card it wont report to your Credit. But thats just a guess. They have modified the law of AU as lots of credit fix companies were illegally adding users to unknown people's credit cards with big limits and old history. Thats against FCRA law.

Re: Please Adise - Unexpected Credit Sesame Update

Credit Sesame has been glitching for me lately and everything that shows up on the monitoring shows twice. I got a cli from GE and it said I got two increases. So it is likely the one AU account showing up. If that's a charge card utilization doesn't matter, but depending on what your profile looks like being an au isn't really going to help much anyways.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.